Serving Florida Since 2007

Hurricane property damage claims

Questions about Hurricane Coverage (part 2)

Questions about Hurricane Coverage

This is part 2. Read part 1 of Hurricane FAQ’s here.

Homeowner’s insurance and hurricane coverage can be a complicated topic. Our team of public adjusters have helped thousands of homeowners successfully collect a payout from their insurance company. Here’s a list of questions and answers we often hear from customers regarding hurricane-related damage. 

If you have a question that’s not on this list, we invite you to speak with one of our friendly public adjusters today. Call 954-669-4935 or go to to get started.

Does My Homeowners’ Insurance Cover Hurricane Damage?

Most homeowners’ insurance policies typically include coverage for damage caused by strong winds, such as those from hurricanes.

However, it’s essential to review your policy because it might contain a separate deductible for hurricane-related damage, which can be much higher than your standard deductible. Additionally, not all standard home insurance policies cover windstorms, so verifying this before a hurricane is crucial.

What Is A Hurricane Deductible?

A deductible is the amount you’re required to pay out-of-pocket before your insurance starts to cover the costs.

For those in areas prone to hurricanes, such as Florida, your policy may include a specific deductible for hurricane-related damages. This means you could have a different deductible amount specifically for losses caused by hurricanes.

Is It More Challenging To Receive Compensation For Hurricanes?

Securing compensation after a hurricane can often be more complex than for other types of claims. The primary reason is the high volume of claims insurers receive following a hurricane, potentially leading to delays, denials, or lower payments than expected.

Will All Of My Losses Be Covered?

Coverage can vary. It’s important to note that hurricanes can lead to flooding, which may not be covered under your standard policy. Even if your policy covers hurricane damage, it might not cover all types of damage caused by the hurricane. Reviewing your policy closely and considering additional coverage could be beneficial to ensure comprehensive protection.

What Are Some Common Types Of Property Damage Associated With Hurricanes? 

Hurricanes are powerful storms that can lead to significant property damage, including:

  • Roof damage – such as missing or damaged tiles and shingles
  • Wind-related damage
  • Siding damage 
  • Broken or damaged windows and doors 
  • Damaged exterior structures, such as pool enclosures and sheds 
  • Impact on belongings within a property

Do you have questions regarding hurricane damage claims?  

Call us today and speak with a Florida Public Adjuster. 

We work for you and not the insurance company. Call 954-669-4935 or go to to get started.

Leave a Comment